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Helsana Grundversicherung

Standard model
Free choice of doctor

General

General information:

Health insurance model «Grundversicherung» of the Swiss insurance company Helsana.

Health insurance model:

Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.

Choice of doctor:

Policyholders have free choice of doctors.

Pharmacy choice:

You get free choice of pharmacy

Number of policyholders:

A total of 1,290,207 people hold compulsory health insurance policies from Helsana.

Additional child-discount:

Helsana does not offer additional premium reductions for more than one child.

Bonus insurance:

Helsana Grundversicherung lets you choose claim-free discounts as an option with its compulsory health insurance policies. A 10% markup on premiums applies during your first year as a policyholder, while a discount is applied every subsequent year during which you do not make any insurance claims.

Administrative costs:

3.8% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 178 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 8.0/10 (Very good)

Helpfulness 8.2/10 (Very good)

Billing: flexibility 7.8/10 (Good)

Reimbursement: time frame 8.0/10 (Very good)

Product information 8.0/10 (Very good)

More products

Helsana BeneFit PLUS - Hausarzt 10%

Helsana BeneFit PLUS - Hausarzt 12%

Helsana BeneFit PLUS - Hausarzt 14%

Helsana BeneFit PLUS - Hausarzt 16%

Helsana BeneFit PLUS Flexmed

Helsana BeneFit PLUS Flexmed R3

Helsana BeneFit PLUS Telmed

Helsana Premed-24

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